Medical - Prudential

Medical
PLAN
Annual No Claims Bonus
PRUhealth PRUhealth PRUhealth PRUhealth PRUhealth PRUhealth PRUhealth
100
150
200
300
400
500**
600**
RM100
RM150
RM300
RM400
RM500
RM600
RM700
100
150
200
300
400
500
600
Hospital & Surgical Benefits
Hospital Daily Room & Board
(120 days a year)
Intensive Care Unit
(30 days per year)
Surgical
As charged, subject to coinsurance or deductible
(see Note for further details).
In-hospital & Related Services
Out-patient Treatment Benefits*
Pre-hospitalisation Treatment
(within 30 days)
Post-hospitalisation Treatment
(within 90 days after
hospital discharge)
As charged.
Home Nursing Care
(180 days per lifetime)
*Subject to coinsurance or deductible
(see Note for further details).
Day surgery
Cancer Treatment
Kidney Dialysis
Emergency Treatment For Accidental Injury (Annual Limit)
1,000
1,500
2,000
3,000
4,000
5,000
6,000
Overall Annual Limit (RM)
50,000
62,500
75,000
100,000
150,000
200,000
250,000
Lifetime Limit (RM)
500,000
625,000
750,000
Emergency Medical Assistance
1,000,000 1,500,000 2,000,000 2,500,000
Yes
Years
Annual
Premium (RM)
Any Claims
Made?
Qualify
for Bonus?
Amount of Bonus
Received (RM)
1
1,032
No
Yes
-
2
1,032
Yes
No
300
3
1,032
No
Yes
-
4
1,032
No
Yes
300
5
1,032
No
Yes
300
Plan
PMO Gold
PMO Platinum
Hospital & Surgical Benefits
Hospital Daily Room & Board
(maximum 120 days per year)
Intensive Care Unit
(maximum 30 days per year)
Surgical
In-hospital & Related Services
Out-patient Treatment Benefits
Pre-hospitalisation Treatment
(within 30 days before hospitalisation)
Post-hospitalisation Treatment
(within 90 days after hospital discharge)
Home Nursing Care
(maximum 180 days per lifetime)
Day-surgery
Cancer Treatment
Well-Being Benefit
(entitled to claim for every admission into a
hospital in Malaysia for every surgery under
the 5 covered conditions*)
As charged
As charged
RM5,000
RM10,000
Annual Limit
RM200,000
RM400,000
Lifetime Limit
RM2,000,000
RM4,000,000
Policy Year
Plans
Year 11 onwards
PH200
PH300
PH400
PH500
PH600
Year 6 to 10
PH150
PH200
PH300
PH400
PH500
Year 1 to 5
PH100
PH150
PH200
PH300
PH400
> You must inform the Company of any change in your occupation, avocation or
sports activities because it may affect the premiums, terms, conditions and benefits.
> The Company reserves the right to revise premium rates and insurance charges at
policy anniversary by giving a 30-day prior notice if the actual claims experience is
worse than expected for PRUhealth, PRUmedic overseas, PRUmedic auto upgrade,
PRUmedic retirement and PRUannual limit waiver.
> Coverage to expiry age is subject to sufficient funds to cover for insurance charges,
service charges, guarantee charges (if any) and administration charges (if any).
> You should assess the affordability and suitability of the product (including
optional benefits) in relation to your financial goals and risk appetite. To achieve
this, we recommend that you speak to your agent or Wealth Planner who will
perform a needs analysis and assist you in making an informed decision.
> If you cancel the policy in the early years, you may not be able to obtain the full
value from the amount you have paid in. Upon surrender, the various benefits
under this plan will cease.
> There is a free-look period of 15 days after the delivery of your policy to allow you
to review and ensure that it meets your needs. If the policy is cancelled within this
period, the value of units (at the next pricing date) plus the unallocated premiums,
service charge, insurance charge, guarantee charge (if any) and administration
charge (if any), less medical expenses will be refunded. Additionally, if top-ups are
done, 5% of the unallocated premium less medical expenses will be refunded.
Top-ups do not incur any insurance charge.
> This leaflet is for illustrative purposes only. You are advised to refer to the
Prudential Product Disclosure Sheet and Sales Illustration before purchasing a
plan, and to refer to the terms and conditions in the policy document for details
of the important features of the plan.
> Non-payment of premiums may cause this policy to cease.
> Prudential Assurance Malaysia Berhad (PAMB) is a licensed insurance company
and is regulated by Bank Negara Malaysia (BNM).
Expiry Age 70
Entry Age
PRUhealth 100
(RM)
PRUhealth 150
(RM)
PRUhealth 200
(RM)
PRUhealth 300
(RM)
PRUhealth 400
(RM)
1 - 15
602.00
665.00
826.00
1,145.00
1,405.00
16 - 20
657.00
737.00
911.00
1,234.00
1,573.00
21 - 25
711.00
809.00
993.00
1,353.00
1,726.00
26 - 30
766.00
849.00
1,032.00
1,443.00
1,824.00
31 - 35
861.00
1,001.00
1,235.00
1,704.00
2,121.00
36 - 40
984.00
1,135.00
1,320.00
1,934.00
2,439.00
41 - 45
1,175.00
1,331.00
1,499.00
2,203.00
2,970.00
46 - 50
1,435.00
1,668.00
1,885.00
2,710.00
3,701.00
51 - 55
1,749.00
2,058.00
2,325.00
3,342.00
4,582.00
56 - 60
2,084.00
2,449.00
2,763.00
3,984.00
5,451.00
Expiry Age 80
Entry Age
PRUhealth 100
(RM)
PRUhealth 150
(RM)
PRUhealth 200
(RM)
PRUhealth 300
(RM)
PRUhealth 400
(RM)
1 - 15
805.00
876.00
1,042.00
1,466.00
1,775.00
16 - 20
890.00
970.00
1,143.00
1,618.00
1,970.00
21 - 25
991.00
1,083.00
1,263.00
1,799.00
2,203.00
26 - 30
1,123.00
1,229.00
1,420.00
2,036.00
2,505.00
31 - 35
1,293.00
1,417.00
1,621.00
2,344.00
2,896.00
36 - 40
1,510.00
1,657.00
1,879.00
2,737.00
3,395.00
41 - 45
1,777.00
1,955.00
2,219.00
3,230.00
4,138.00
46 - 50
2,112.00
2,331.00
2,646.00
3,841.00
5,057.00
51 - 55
2,555.00
2,834.00
3,205.00
4,627.00
6,153.00
56 - 60
3,183.00
3,543.00
3,991.00
5,706.00
7,677.00
61 - 65
4,045.00
4,554.00
5,097.00
7,247.00
9,647.00
66 - 70
5,875.00
6,761.00
7,509.00
10,732.00
14,034.00
Expiry Age 100
Entry Age
PRUhealth 100
(RM)
PRUhealth 150
(RM)
PRUhealth 200
(RM)
PRUhealth 300
(RM)
PRUhealth 400
(RM)
1 - 15
1,295.00
1,445.00
1,641.00
2,381.00
2,991.00
16 - 20
1,465.00
1,638.00
1,856.00
2,693.00
3,398.00
21 - 25
1,667.00
1,867.00
2,113.00
3,062.00
3,882.00
26 - 30
1,916.00
2,150.00
2,431.00
3,520.00
4,478.00
31 - 35
2,222.00
2,498.00
2,823.00
4,084.00
5,213.00
36 - 40
2,596.00
2,923.00
3,302.00
4,774.00
6,112.00
41 - 45
3,045.00
3,436.00
3,882.00
5,609.00
7,198.00
46 - 50
3,586.00
4,057.00
4,582.00
6,611.00
8,524.00
51 - 55
4,250.00
4,824.00
5,439.00
7,827.00
10,145.00
56 - 60
5,078.00
5,779.00
6,505.00
9,325.00
12,156.00
61 - 65
6,122.00
7,003.00
7,866.00
11,258.00
14,733.00
66 - 70
7,335.00
8,455.00
9,480.00
13,596.00
17,871.00